CalHFA's web site is set up in four primary sections: Homebuyers - this section provides information to homebuyers looking for programs to buy their home. CalHFA Homeowners - this section is for those customers who already have a mortgage loan with CalHFA and wish to access account information and other resources about your existing loan. Lenders/Realtors/Nonprofits - this section is for our business partners. If you are a Lender, Broker, Real Estate Agent, or other partner doing business wi  More...

Our standard business hours are Monday – Friday 8:00 a.m. – 5:00 p.m. We are closed on state holidays and weekends.

CalHFA’s main Sacramento Headquarters phone number is (toll free) 877.922.5432. If you’re a current CalHFA borrower and would like information about your loan, please call the Loan Servicing Department at 800.669.1079.

CalHFA MAC was the CalHFA Mortgage Assistance Corporation, a nonprofit organization that was created specifically to receive and disburse federal funding for the Keep Your Home California program. CalHFA MAC’s Board of Directors and Officers were employees of CalHFA and received no additional compensation for performing these duties. The Keep Your Home California program has ended; you can find more information at www.keepyourhomecalifornia.org.

Electronic news and updates are offered through CalHFA’s Enews Announcements . You can follow us on Twitter and Facebook.

Yes, CalHFA’s newsletter, Housing Matters, is available here.

We use Google Translate on our site--you can find it in the upper right corner.

All of the documents on CalHFA's web site use either Microsoft Office (Word, Excel, etc.) or are in the PDF format. To read PDF files, you will have to download the free Adobe Reader at the link below. https://acrobat.adobe.com/us/en/acrobat/pdf-reader.html

Please visit https://camortgagerelief.org/ for more information on the California Mortgage Relief program. In the meantime, if you need immediate assistance, please reach out to your mortgage servicer, contact a HUD-certified housing counselor at 1-800-569-4287 or visit the State's Housing Is Key (ca.gov) website to find information on other resources currently offered.

Please visit https://camortgagerelief.org/ for more information on the California Mortgage Relief program. In the meantime, if you need immediate assistance, please reach out to your mortgage servicer, contact a HUD-certified housing counselor at 1-800-569-4287 or visit the State's Housing Is Key (ca.gov) website to find information on other resources currently offered.

A first-time homebuyer is someone who has not lived in *and* been on title of a primary residence in the past three years. If you've been renting for the past three years, and previously owned a home, then you're considered a first-time homebuyer.

The California Housing Finance Agency (CalHFA) was established in 1975 as the state’s affordable housing bank. CalHFA makes low interest rate loans to first-time homebuyers and multifamily developers through the sale of tax-exempt bonds and other financing tools. CalHFA is a self-supporting state agency, with bonds being repaid by revenues generated through mortgage loans, not taxpayer dollars.

Keep Your Home California was a federally-funded program to help California homeowners struggling to pay their mortgages. California distributed over $2 billion over the course of the program, working with housing counselors and servicers to provide assistance to eligible homeowners and prevent avoidable foreclosures. The program has ended, but you can find more information on Keep Your Home California on their web site at: http:// www.KeepYourHomeCalifornia.org

CalHFA Board meetings are open to the public and are held bi-monthly. To see a calendar and monthly agendas, visit the Board Meetings page.

CalHFA is governed by its Board of Directors .

CalHFA cannot give tax advice or financial counsel, as every home and owner presents a unique situation, and we do not have financial advisors on staff. The best thing to do would be to consult a tax attorney or CPA to find the implications of a short sale on your home, as state and federal regulations can be very confusing. The best course of action to find out about the tax implications of any aspect of your home is to talk with a financial advisor.

All media calls should be directed to Kathy Phillips, Director of Marketing, at 916.326.8600.

For public record act requests, call 916.326.8481 or email publicrecords@calhfa.ca.gov .

Executive Director: Tia Boatman Patterson Chief Deputy Director: Don Cavier Director of Legislation: Francesc Marti Director of Homeownership: Tim Hsu Director of Administration: Jennifer Leboeuf Director of Marketing: Kathy Phillips General Counsel: Claire Tauriainen

Unfortunately, all Dream For All funds have been allocated, and the legislature has not allocated any new funding for the program for 2025. Since there is no funding for the program, there is not currently any wait list or application. We offer several loan programs for first-time homebuyers, although none with the 20% down payment loan. I’d suggest you chat with one of our Preferred Loan Officers—if you’re interested in buying your first home, they’ll get you started rig  More...

Unfortunately, all ADU Grant funds were used as of this past December, and the legislature has not allocated any new funding for the program. Since there is no funding for the program, there is not currently any wait list or application. Your local city or county may have incentives for building an ADU, so check that out.